Matt Vogt - 316 Health Insurance

06/17/2026

💡 How Health Insurance Deductibles Actually Work

One of the biggest misconceptions we hear is:

"I have a $5,000 deductible, so I have to pay the first $5,000 of every medical bill."

❌ That's not how it works.

Here's the simple version:

✅ Your deductible is the amount you pay for certain covered healthcare services before your insurance starts sharing the cost.

But...

✔️ Many preventive services (annual wellness visits, many screenings, and vaccines) are often covered before you meet your deductible.

✔️ Some plans include copays for office visits or prescriptions that don't require you to meet your deductible first.

✔️ Once you've met your deductible, your insurance typically begins paying a percentage of covered expenses until you reach your annual out-of-pocket maximum.

The truth is that every health insurance plan works a little differently. That's why choosing a plan based only on the monthly premium or deductible can lead to expensive surprises later.

At 316 Health Insurance, we believe an educated client makes better decisions. We take the time to explain:
• What your deductible actually means
• When it applies—and when it doesn't
• How coinsurance works
• Your out-of-pocket maximum
• How to choose coverage that fits your family's needs and budget

Health insurance doesn't have to be confusing. Our job is to make it understandable.

📞 Have questions about your current plan? We'd be happy to review it with you and explain it in plain English—no pressure, just honest guidance.

316 Health Insurance
Helping individuals, families, and small businesses understand their coverage with confidence.

06/15/2026

Check out the latest post on the importance of service.

https://www.linkedin.com/posts/activity-7470883536418328576-BjbL?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAABTukRkBrWSUSmuPanFpBWQpErjbUrMj-TU

06/15/2026

Open enrollment for ACA plans is coming - Are you ready?

Open enrollment isn't the best time to start learning how health insurance works. Understanding deductibles, networks, and out-of-pocket costs ahead of time can make your enrollment decisions much easier.

Plan ahead. Enroll with confidence!

06/08/2026

🏢 Small Business Health Insurance Made Simple

For many small business owners, health insurance is one of the largest and most frustrating expenses they face.

The challenge isn't just finding coverage—it's finding a solution that balances affordability with meaningful benefits for your employees.

At 316 Health Insurance, we help employers explore both traditional group plans and alternative benefit strategies designed to control costs while still taking care of their team.

Whether you're:
✅ Struggling with annual rate increases
✅ Looking for alternatives to traditional group coverage
✅ Trying to attract and retain quality employees
✅ Seeking better value from your benefits budget

We're here to help you evaluate your options and build a benefits strategy that works for your business.

06/05/2026

💡 HEALTH INSURANCE MYTH-BUSTING

Myth: "My health insurance covers everything."

Reality: Many people don't discover coverage gaps until after they receive a bill.

Things like deductibles, coinsurance, out-of-network services, prescription costs, and limited benefits can create unexpected expenses—even when you have health insurance.

That's why it's important to review your coverage before you need it, not after.

A quick coverage review can help identify potential surprises, ensure you're getting the best value for your premium dollars, and give you confidence that your plan is working the way you expect.

Have questions about your current coverage? Send me a message. I'm happy to provide a complimentary review and help you understand exactly what your plan does—and doesn't—cover.

06/04/2026

Welcome to my professional page! I'm Matt Vogt with 316 Health Insurance. My goal is to help individuals, families, and small businesses understand their health insurance options and find the best value for their situation.

On this page I'll share:

Health insurance tips

Open enrollment reminders

Deductible and coverage education

Small business benefits insights

Common insurance mistakes to avoid

If you have questions about coverage, costs, or options, feel free to message me directly. I'm happy to help.

06/04/2026

https://youtu.be/T_awV-Of_78?si=3rJ2ZxWCjlOLbsyK

Welcome to 316 Health Insurance! Our website is your go-to source f...

06/04/2026

The Biggest Deductible Mistake Families Make

Many families choose the lowest deductible health plan they can find because it "feels safer."

But here's the problem...

They often end up paying significantly more in monthly premiums than they would ever save in deductible costs.

The goal isn't to have the lowest deductible. The goal is to have the best overall value based on your family's health needs, budget, and risk tolerance.

I've helped many families discover they were overpaying for coverage that didn't actually fit their situation.

If you're not sure whether your current deductible is helping or hurting you financially, reach out. I'm happy to answer questions and provide a complimentary coverage review.

A few minutes today could potentially save you hundreds—or even thousands—of dollars this year.